Personal loans in Caney, KS

For a bigger market, look to Dewey, OK about 15 miles away. The 2020 count to the 2023 estimate shows about 3.2% decline in Caney. Rate ceilings, licensing requirements and product limits for Caney are all set at the Kansas level. Read the disclosure for an origination fee and any prepayment penalty before signing in Caney.

Caney: population, trend and location

Set out below is Caney's local context next to the state-level rules that reach every lender here.

• Population: 1,732 — Caney ranks 131st of 625 communities in Kansas (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.2% between 2020 and 2023.
• Net change: roughly 57 fewer people than the 2020 Census counted.
• Size percentile: Caney's 1,732 people outrank roughly 79% of the places in Kansas.
• Population density: 1,278 people per square mile on 1.4 square miles of land.
• Land area rank: Caney's 1.4 square miles rank 157th of 625 places in Kansas.
• State share: roughly 0.1% of Kansas's residents live in Caney (1,732 people).
• National rank: Caney is the 8,159th most populous of the 19,457 Census places covered here.
• Growth rank: Caney's 2020-to-2023 change ranks 532nd of 625 places in Kansas.
• Against the state trend: Caney's 3.2% change compares with a Kansas average of -1.0% across its 625 places.
• Density rank: Caney is the 134th most densely settled place in Kansas.
• Density in context: Caney's 1,278 people per square mile sit against a Kansas median of 764.
• Location: 37.0136, -95.9319 (US Census Bureau Gazetteer).
• Nearest larger cities: Dewey (15 mi); Coffeyville (16 mi); Bartlesville (19 mi); Independence (19 mi); Nowata (27 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Havana (5 mi); Niotaze (6 mi); Tyro (6 mi) — useful context for the surrounding area.
• Smaller neighbours: 59 places smaller than Caney sit within 50 miles.
• Within 100 miles: 104 places are larger than Caney.

The state rulebook for Caney

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Caney is bound by the same rules.

How lenders reach Caney

At roughly 1,278 people per square mile, Caney is moderately settled; 14 larger places lie within 50 miles. Lenders licensed in Kansas reach Caney's 1,732 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Dewey, OK about 15 miles away.

The geography behind Caney

Caney's land area is roughly 1.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,278 people per square mile. Wichita, the largest place in Kansas, is about 91 miles from Caney. Caney has 14 larger places within a 50-mile radius. By land area it ranks 157th of 625 Kansas places.

What a Caney borrower is actually offered

A Caney personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,732 residents. A lender serving Caney's 1,732 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Caney loan but raises total interest, so the smallest payment is not the cheapest loan.

What to do before borrowing in Caney

A sensible order of operations for a loan in Caney, home to about 1,732 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Kansas licence with the regulator named above before committing.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Caney as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 1,732 residents.